A shared commitment. A shared longevity.

GoldenCare, an Integrity Company, is a partner and one of the industry’s leading brokerages of long-term and extended-care products for seniors. In business for 50 years, the agency is celebrating its own milestone.

Tell us about yourselves and your company.

Tom: I’ve been in the business since I was 13, working with my older brother, Mark, at his insurance agency before coming to GoldenCare in 1997. Over time, our focus went from training to marketing, then we saw a great opportunity in long-term care.

Dennis: At age 18, I worked my way through San Diego State University selling insurance. I actually earned a degree in insurance, if you can believe that. Tom and I have now worked together for over 26 years—which is rare in this business.

Tom: We’re both passionate about the business and providing solutions to the underserved, particularly seniors, for whom our products are so important. By age 65, 70% of folks out there will need products like these, but 90% have never had a real conversation about them.

GoldenCare is a leader in the long-term care (LTC) market. How did that happen?

Tom: We’ve sold more than $1 billion in LTC, and helped design one of the industry’s leading plans. Recently, we expanded into the extended care market, which includes LTC, short-term care and home healthcare products. For tax reasons, the federal government has its fingerprint all over LTC. We wanted to develop something stronger and more flexible. ManhattanLife has been a key part of that.

Dennis: We began working with ManhattanLife around 2022 developing a new short-term care product called OmniFlex, which included features that go beyond those found in the existing, traditional STC market. Executive management was willing to listen and adapt to a changing market—and that is rare in a conservative industry like ours.

Tom: With any new product, you’re going to have problems. I’ve been impressed by how ManhattanLife can get everyone together to solve them.

From the agency and carrier perspective, we have each other’s backs. That’s a winning formula.

How does ManhattanLife’s reputation as an independent resonate and how does it help you?

Dennis: Publicly traded companies, even mutual carriers, are slow to move. ManhattanLife knows that success is a three-legged stool. The consumer has to need it. The agents have to be able to sell it. And the carrier has to make sure it’s profitable.

Tom: LTC is complex, with 40-page underwriting guides and nuances our staff and field agents have to spend a lot of time to learn. With ManhattanLife, our product line is simple with no surprises.

Dennis: At the same time, we’re trying to take agents from the stone age to the digital age. ManhattanLife is developing technology to make that transition easy.

Speaking of history, what is the significance of ManhattanLife’s long legacy?

Tom: I remember reading up on ManhattanLife and thinking, wow, that’s unreal. It’s a feather in our cap to have a partner who has put the policyholder first for so long. Doing what’s right is a goal we passionately share with them and I love that.

Dennis: Consumers aren’t just looking at a balance sheet. That history communicates stability. This company has been around, which means it will be around. That’s a powerful story.

Illustration of Manhattan Skyline

Did You Know?

In 1865, ManhattanLife was nicknamed “Old Reliable” for its reputation of locating Southerners after the Civil War and paying claims, even though the federal government’s policy was to ignore them.

For more insights from our valued partners, don’t miss the next installment of the ManhattanLife Producer Spotlight series, anniversary edition. To read more about our storied history, click the button below.

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